Best Ford Focus ST Car Insurance in 2025 (Your Guide to the Top 10 Companies)

Travelers, Allstate, and Erie are the top providers for best Ford Focus ST car insurance, with cheapest rates starting at $60 per month.

Check out “Collision vs. Comprehensive: What is the difference?” for more on insurance coverage. Ford Focus ST insurance rates are about $12 less per month than the average vehicle with minimum coverage costing on monthly at $9.

Our Top 10 Company Picks: Best Ford Focus ST Car Insurance

Drivers of an older Ford Focus ST may opt for liability-only monthly which is about $46. Let’s look at Ford Focus ST insurance rates, safety features, and more.

You can start comparing quotes for Ford Focus ST car insurance rates from some of the best car insurance companies by using our free online tool now.

#1 – Travelers: Top Overall Pick

Pros

• Wide Coverage Options: They offer various coverage choices such as accident forgiveness and new car replacement, which enhance the value of their Ford Focus ST policies. Read our “Travelers Car Insurance Review” to learn what else is offered.
• Strong Customer Support: Known for efficient claims processing and excellent customer service, Travelers ranks high for those seeking reliable insurance for their Ford Focus ST.
• Discount Opportunities: Travelers provides several discount options, including those for safe driving and policy bundling, which can further reduce the cost of the best Ford Focus ST car insurance.

Cons

• Moderate Financial Stability: While Travelers is generally reliable, its financial strength might not be as robust as some competitors, potentially impacting claim payments for the best Ford Focus ST car insurance.
• Regional Variability: The availability and quality of service can vary significantly by location, which might affect your experience with Travelers’ Ford Focus ST insurance.

#2 – Allstate: Best for Reliable Service

Pros

• Many Discounts: They offer numerous discounts, such as for safe driving and bundling, helping reduce the overall cost of Ford Focus ST coverage, which you can learn about in our “Allstate Car Insurance Review.”
• Flexible Policies: With customizable policy options, Allstate allows you to tailor your Ford Focus ST insurance to better suit your specific needs.
• Roadside Assistance: Their inclusion of roadside assistance and rental car coverage adds extra value to the best Ford Focus ST car insurance.

Cons

• Potentially Higher Costs: Premiums with Allstate might be higher for some drivers, which could affect affordability for the best Ford Focus ST car insurance.
• Complex Policy Options: The extensive range of policy options and add-ons may be overwhelming, complicating the selection process for your Ford Focus ST insurance.

#3 – Erie: Best for Competitive Rates

Pros

• Affordable Premiums: Erie is known for offering some of the most cost-effective insurance rates, making it a strong option for the best Ford Focus ST car insurance.
• Comprehensive Coverage: Erie’s coverage options, including accident forgiveness, add significant value to their Ford Focus ST insurance policies. Learn it more on Erie car insurance review.
• Regional Expertise: Their strong presence in specific areas can enhance service quality, providing an edge in securing the best Ford Focus ST car insurance.

Cons

• Limited National Reach: Erie’s coverage may not be available in all states, which can impact the availability of their Ford Focus ST insurance across the country.
• Fewer Digital Tools: They offer fewer high-tech features compared to some competitors, which might limit convenience for managing your Ford Focus ST insurance.

#4 – American Family: Best for Strong Coverage

Pros

• Robust Coverage Options: American Family offers comprehensive coverage tailored for performance vehicles like the Ford Focus ST, enhancing the value of their insurance. Read it more on American Family car insurance review.
• Excellent Customer Support: Known for exceptional customer service, American Family ensures a positive experience when handling claims for the best Ford Focus ST car insurance.
• Discount Opportunities: Their numerous discounts, such as those for safe driving and bundling, help reduce the cost of Ford Focus ST insurance.

Cons

• Higher Premiums for Some: American Family’s insurance premiums may be higher for certain drivers, impacting the overall affordability of the best Ford Focus ST car insurance.
• Complex Claims Process: Some customers find the claims process more intricate, which could be a drawback when seeking the best Ford Focus ST car insurance.

#5 – Auto-Owners: Best for Customer Satisfaction

Pros

• Extensive Coverage Options: They provide a broad range of coverage and additional protections, enhancing the value of Ford Focus ST insurance. Read it more on Auto-Owners car insurance review.
• Safe Driver Discounts: Auto-Owners offers substantial discounts for maintaining a clean driving record, which can lower the cost of your Ford Focus ST insurance.
• Strong Regional Presence: Their strong service in specific regions ensures reliable support for the best Ford Focus ST car insurance.

Cons

• Variable Pricing: Insurance rates can vary widely based on location and risk factors, which might affect the cost of the best Ford Focus ST car insurance.
• Limited High-Tech Features: Auto-Owners might lack some of the latest digital tools and online management features.

#6 – Nationwide: Best for Financial Stability

Pros

• Solid Financial Strength: Nationwide is known for its robust financial stability, ensuring reliable claim payments for the best Ford Focus ST car insurance.
• Multiple Discounts: Nationwide provides various discounts, such as for bundling and safe driving, which can reduce the cost of Ford Focus ST insurance, which is covered in our “Nationwide Car Insurance Review.”
• Good Customer Support: Their positive customer service feedback helps make them a strong option for securing the best Ford Focus ST car insurance.

Cons

• Potentially Higher Premiums: Some drivers may find Nationwide’s premiums to be higher, impacting the overall affordability of the best Ford Focus ST car insurance.
• Inconsistent Local Service: Service quality can vary based on location, which may affect your experience with Nationwide’s Ford Focus ST insurance.

#7 – Liberty Mutual: Best for Extensive Discounts

Pros

• Customizable Policies: They allow extensive customization of policies, enabling you to tailor your Ford Focus ST insurance to specific needs. For a complete list, read our “Liberty Mutual Car Insurance Review.”
• Advanced Tools: Liberty Mutual provides innovative tools and apps for managing your insurance, improving the convenience of the best Ford Focus ST car insurance.
• Strong Financial Position: Their solid financial stability ensures reliable claim payments for Ford Focus ST coverage.

Cons

• Potentially Higher Costs: Premiums may be higher compared to some competitors, which could affect the cost-effectiveness of the best Ford Focus ST car insurance.
• Customer Service Variability: Some customers report inconsistencies in service quality, which might impact your experience with Liberty Mutual’s Ford Focus ST insurance.

#8 – Farmers: Best for Personalized Policies

Pros

• Local Agent Network: Their network of local agents provides personalized service and support, enhancing the value of your Ford Focus ST insurance. Learn more in our “Farmers Car Insurance Review.”
• Discounts Available: Farmers offers a range of discounts for safety and policy bundling, which can help lower the cost of the best Ford Focus ST car insurance.
• Comprehensive Coverage: They provide extensive coverage options, adding value to their Ford Focus ST insurance policies.

Cons

• Higher Premiums: Insurance costs can be higher, especially for certain drivers, which might affect the affordability of the best Ford Focus ST car insurance.
• Inconsistent Service: Quality of service may vary depending on the local agent, impacting your experience with Farmers’ Ford Focus ST insurance.

#9 – Progressive: Best for Innovative Tools

Pros

• Competitive Pricing: Known for providing competitive rates and frequent discounts, Progressive is a strong choice for affordable Ford Focus ST coverage. Discover our “Progressive Car Insurance Review” for a full list.
• Variety of Coverage: They offer a broad selection of coverage options and add-ons, which enhances the value of the best Ford Focus ST car insurance.
• Strong Digital Experience: Their robust online tools and mobile app make managing Ford Focus ST insurance more convenient.

Cons

• Higher Costs for High-Risk Drivers: Rates can be higher for drivers with less favorable risk profiles, affecting the affordability of the best Ford Focus ST car insurance.
• Complex Policies: The wide range of options and add-ons can be confusing, which might complicate finding the best Ford Focus ST car insurance.

#10 – The Hartford: Best for Senior Focus

The Cost of Insuring a Ford Focus ST

To find the cheapest insurance rates for a Ford vehicle including Travelers, Allstate, and Erie.

Considering comparing quotes online to get multiple estimates, checking for available discounts, reviewing and adjusting coverage options, considering higher deductibles to lower premiums, and maintaining a good credit score to potentially secure better rates.

Ford Focus ST Car Insurance Monthly Rates by Coverage Level & Provider

Additionally, regularly reviewing your insurance policy can help ensure you continue to receive the most competitive rates as your circumstances change. You may consider the best Ford Focus ST car insurance with Travelers, Allstate, and Erie.

To gain profound insights, consult our extensive guide on which state has the best drivers?

Factors Influencing the Cost of Ford Focus ST Insurance

The trim and model of the Ford Focus ST affect insurance costs because higher trims can increase risk due to performance features, higher repair costs, theft risk, and vehicle value, while trims with advanced safety features might reduce premiums.

Choosing a base model might lead to lower insurance costs compared to higher-end trims. To delve deeper, refer to our in-depth report compare liability car insurance: rates, discounts, & requirements.

Additionally, special editions or performance variants may attract higher premiums due to their increased risk profile. Enter your ZIP code to begin comparing.

To delve deeper, refer to our in-depth report compare liability auto insurance coverage car insurance: rates, discounts, & requirements.

Driver Age

Driver age can have a significant impact on the cost of Ford Focus ST auto insurance. For example, 20-year-old drivers pay as much as $145 more each month for their Ford Focus ST auto insurance than 40-year-old drivers.

Ford Focus ST Car Insurance Monthly Rates by Age

Driver Location

Where you live can significantly impact Ford Focus ST insurance rates due to factors like local accident rates, theft rates, repair costs, insurance regulations, weather conditions, and regional risk factors.

Ford Focus ST Car Insurance Monthly Rates by City

For example, drivers in New York may pay $70 more monthly than those in Seattle because of higher traffic congestion, theft risks, and repair costs in the city.

Additionally, local insurance regulations and the cost of living further influence these rate differences.

Ford Focus ST Safety Ratings

Companies often provide lower premiums for trims equipped with advanced safety technology or driver-assistance systems like Travelers, Allstate, and Erie.

Additionally, shopping around and comparing quotes from different insurers can help find the best rates and discounts available. Just entering your ZIP code to know your best Ford Focus ST car insurance including Travelers, Allstate, and Erie.

Top Ford Focus ST Insurance Companies

Take a look at this list of top car insurance companies that are popular with Ford Focus ST drivers organized by market share.

Top Ford Focus ST Car Insurance Providers by Premiums Written

They may also provide discounts for safety features, robust customer service, and competitive pricing due to their large market presence. State Farm, Geico, and Progressive are the best Ford Focus ST Insurance companies by market shares order.

Additionally, their strong regional presence can enhance personalized service and efficient claims processing.

Compare Free Ford Focus ST Insurance Quotes Online

By using comparison tools, you can quickly assess multiple insurers’ offers, identify the most competitive premiums, and discover available discounts, all from the comfort of your home.

Save on your Ford Focus ST car insurance rates by taking advantage of our free comparison tool. Don’t forget to include in your choices the best Ford Focus ST car insurance, Travelers, Allstate, and Erie.